jobs, science, technology, engineering, math. a lot of very high-skilled, high-tech jobs in health care, and also in engineering. so listen up if you've got a kid in college if you're planning for your own future, science, technology, engineering, math, that's where the growth is on a lot of these jobs and that's where the money is, too. i'm going to tweet that whole list out and send it to your kid -- >> i know but here's the problem. what if the passion doesn't lie there, right? >> it's true. but remember what you can do well, what they'll pay you for and what you like -- >> make equal happiness. >> exactly. >> what's the one thing we need to know about our money? >> mortgage rates. the average 30 year fixed rate mortgage 3.41%. following for four weeks in a row now. 15 year mortgage 2.64. that's the popular refinancing option. look at those numbers. if you have a mortgage still in the 5% range you must refinance and you must do whatever you can to refinance. if you have not bought a home yet, still a lot of excitement about th